Tips to avoid being identity theft victim
Tips to avoid being identity theft victim
How can I prevent my identity from being stolen?
Unfortunately, we live in a time when our personal information is in danger. Identity theft is a very real self-protection issue. Your personal information can be taken and used for a number of fraudulent practices.
With your Social Security number, mother’s maiden name and/or date of birth, to just name a few, a criminal can open a credit card account, purchase a vehicle, get arrested under your name, or even get access to your bank accounts.
When someone steals your personal information with the intent to commit fraud or theft, it becomes very difficult to get things back in order. Social Security information, bank account numbers, credit card numbers and any other personal information should not be given out when you are solicited, and it should be kept in a safe and secure location.
To avoid becoming a victim of identity theft:
– Don’t give out your personal information or credit card number over the phone or online unless you initiate the contact with a trustworthy business.
– Don’t use your Social Security number on your driver’s license or checks.
– Memorize your Social Security number and PIN numbers and don’t carry them with you.
– Consider leaving out information on your checks, such as a Social Security number, a date of birth, an address, and a middle name.
– Shred all of your personal statements, credit card applications, and bill statements.
– Always take your ATM and credit card receipts and dispose of them correctly.
– Do not carry multiple credit cards in your wallet.
– Check your credit report regularly.
– Do not place your outgoing mail in an unsecured mailbox.
– If your mailbox is not locked, consider a post office box or retrieve your mail as soon as possible.
You should always be an active defender of your credit, and a good way to protect yourself is to get your credit report on a regular basis. If something happens, contact your local police department and seek fraud victim assistance at www.ftc.gov. Here is a list of numbers that will help you obtain your credit report or request a fraud alert.
– Equifax: (800) 525-6285.
– Experian: (888) 397-3742.
– Trans Union: (800) 680-7289.
– Social Security Administration: (800) 269-0271.